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Illustration in the plan's colour, not the issuer's artwork

Coinbase Card

VisaCustodialKYC fullprepaid

Coinbase Card is a US Visa debit card, issued by Pathward and run through Marqeta, that spends the balance in your Coinbase account and converts crypto to dollars at the till. Coinbase advertises no card fees, but the issuer pages were not readable here, so limits and rewards rest on third-party reviews.

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60Card Score, #6 of 36
$0You keep a year
C62Trust points of 100
84%Key fields with a source

Plans side by side

Coinbase Card (US)
Price
Monthly priceFree4,2No monthly or annual fee; Coinbase says no annual fees
Yearly priceFree2,4
Virtual card feeFree4Third-party review; no issuer page confirmedNot confirmed by the issuer
Physical card feeFree4,5Third-party reviews say free; delivery fee not publishedNot confirmed by the issuer
ReplacementFree4Third-party review onlyNot confirmed by the issuer
Staking needed05No staking, subscription or credit approval neededNot confirmed by the issuer
Other requirementsCoinbase account with identity verification; US residents except Hawaii2,4
Rewards
CashbackVariable, set per asset in the app; up to 4% advertised by reviewers4,5Rate table not readable on the issuer page; stablecoins reported at about 1% or lessNot confirmed by the issuer
Paid inReward asset chosen by the user (for example USDC, BTC, ETH)4,5Not confirmed by the issuer
Earns onCard purchases, US cardholders only5,4Not confirmed by the issuer
PointsNo4Not confirmed by the issuer
PerksCrypto rewards in a chosen asset, Spend from Coinbase balance with no pre-load4,5Not confirmed by the issuer
Fees
FX fee0%2,5Coinbase says no transaction fee on card spending; the 2.49% foreign-exchange fee that Cryptonoshi lists (Apr-18, 2025) was for the European card, not this US card. A measured sell spread on crypto spending exists, see tests
Crypto conversion feeCoinbase trading spread when non-stablecoin crypto is sold at purchase; amount not published1,5USD and USDC spend at par per CryptoSlate
Top-up feeReloads from Coinbase balance; fee not published4Not confirmed by the issuer
ATM fee0%1No Coinbase ATM fee; the ATM operator may charge its own
ATM fixed feeFree1No Coinbase ATM fee; the ATM operator may charge its own
Limits
Spend limit a day$2,5004,5Per 24 hours; third-party sources, issuer page not readableNot confirmed by the issuer
ATM limit a day$1,0004,5Per 24 hours, at most six withdrawals; third-party sourcesNot confirmed by the issuer

Real payments

Conversion spread paidCryptonoshi, Apr-18, 2025About 1.5% sell spread on crypto spent with the European card; not the US card10

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Net a year, Coinbase Card (US) plan$0

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator20 of 25

The issuer is Pathward, N.A., a US national bank (Member FDIC), named on Coinbase's card page and in the CFPB database. The card is a US prepaid-type product; Coinbase's own licences were not checked.2,3

Custody and fund protection8 of 20

Crypto sits custodially with Coinbase and is sold into dollars at the point of sale; no card-specific protection of balances was found.5

Incidents in the last 24 months11 of 20

In May 2025 Coinbase disclosed a bribed-contractor leak of customer data affecting at least 69,461 people. It said no passwords, private keys or funds were taken.6,8

Track record and verified volume13 of 15

US card has run since 2020 with agreements on file since 2022, from a large listed exchange. Paymentscan volume was not found.11,3

Published fees and terms5 of 10

Coinbase says there is no card transaction fee, but the spread is not stated as a number and reward rates and limits are not published on pages we could read.1,4

Support and user sentiment5 of 10

Cryptonoshi tests of Coinbase support (EU, Apr-18, 2025) scored 7.9 out of 10, with replies from 19 minutes to nearly 4 days.10

Company

Legal entityCoinbase Global, Inc.6
Websitecoinbase.com2

Issuer and licence

Card issuerPathward, N.A. (Member FDIC)2,3Named on Coinbase's card page and in the CFPB prepaid agreements database; older coverage names MetaBank, Pathward's former name
Program managerMarqeta2,3
LicencesNational bank, United States (Pathward, N.A., Member FDIC)2,3
NetworkVisa2Issued under licence from Visa U.S.A. Inc.

The card

Statuslive2,4
Launched202011US debit card launch coverage; Coinbase's earlier UK/EU card dates from 2019
Typeprepaid3CFPB lists it as a general purpose reloadable prepaid product; Coinbase and reviews call it a debit card
FormsVirtualPhysical4Third-party review
Custodycustodial5
How custody worksCrypto is held by Coinbase; the dollars from a sale at purchase sit with Pathward5
KYCfull4
Settles inUSD5
Card currenciesUSD5

Funding

Crypto acceptedBTCETHUSDCSOLAny crypto supported on Coinbase; reviewers cite BTC, ETH, USDC, SOL4Coinbase lists no fixed set on the card pages
Fiat top-upCoinbase USD balance5
Spends fromCoinbase balance in crypto or USD, sold at the point of sale5

Payments

Apple Pay4US cardholders; Finek chat reports it works with US cards only

Where it works

RegionsUnited States2,4
Countries12
United States2All states except Hawaii
Supported countriesUnited StatesUnited States2All states except Hawaii

Account

IBANNo10

App

App Store rating4.77Rating of the Coinbase app, not of the card
App Store ratings1.8M7
App StoreOpen in App Store7
LanguagesEnglishCzechDutchFrenchGermanIndonesianItalianJapaneseKoreanPolishPortugueseRussianSimplified ChineseSpanishSwedishThaiChineseTurkish7

Reputation

Common complaintsNo fixed published reward rates; the rate changes by asset, Spread on selling crypto at purchase is not stated as a number, Spend limit $2,500 a day4,5
Common praiseNo monthly or annual fee, Choice of reward asset, Reports of €1,000 a day cash withdrawal without Coinbase fee on the European card4,5,9

Incidents and changes

May 2025Coinbase disclosed that overseas support contractors were bribed to leak customer data (at least 69,461 people); it said no passwords or private keys were taken and it refused a $20 million ransom demand.6,8hack

More details

Separate credit cardThe Coinbase One Card is a different product: an Amex credit card issued by First Electronic Bank through Cardless, with bitcoin rewards tied to Coinbase One membership.4
Maximum card balanceSources disagree: $25,000 (eco.com) and $9,999.99 (CryptoSlate); not confirmed by the issuer4,5
Reload limit$5,000 per 24 hours (both reviews)4,5
Card agreement on fileLatest Coinbase Card agreement in the CFPB database is dated Sep-26, 20223

Quick answers

What does the Coinbase Card cost?

The Coinbase Card (US) plan: Free a month, Free for a physical card.

How much cashback does the Coinbase Card pay?

Variable, set per asset in the app; up to 4% advertised by reviewers on the Coinbase Card (US) plan, paid in Reward asset chosen by the user (for example USDC, BTC, ETH).

What is the Coinbase Card FX fee?

0% on the Coinbase Card (US) plan.

Is the Coinbase Card custodial?

Custodial. Crypto is held by Coinbase; the dollars from a sale at purchase sit with Pathward

Is the Coinbase Card available in the US, the UK and the EEA?

US: yes. UK: not stated. EEA: not stated.

How much do you keep with the Coinbase Card?

$0 a year on the Coinbase Card (US) plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Coinbase Help: Coinbase Card fees and taxes, issuer, Nov-05, 2026
  2. Coinbase Card product page, issuer, Nov-05, 2026
  3. CFPB prepaid agreements database: Coinbase Card (issuer Pathward, program manager Marqeta, agreement Sep-26, 2022), other, Nov-05, 2026
  4. Coinbase Card review: rewards, fees, limits (Oct-05, 2026), other, Nov-05, 2026
  5. CryptoSlate Coinbase Card review (updated Oct-22, 2026), press, Nov-05, 2026
  6. Coinbase Global, Inc. Form 8-K, May-14, 2025, other, Nov-05, 2026
  7. Coinbase on the App Store, app store, Nov-05, 2026
  8. Coinbase data breach impacted 69,461 individuals, press, Nov-05, 2026
  9. Finek chat, user report, Sep-09, 2026, community, Nov-05, 2026
  10. Cryptonoshi: Coinbase Card [EU] (Last Updated Apr-18, 2025), review, Nov-05, 2026
  11. Fortune: Coinbase debit card with crypto rewards (Oct-28, 2020), press, Nov-05, 2026

Something wrong or out of date? Report it with a source.